Pelham, AL

IF OWNING A HOME

IS ON YOUR LIST OF WANTS & DREAMS

THERE IS NO BETTER TIME

THAN RIGHT NOW TO TURN THAT DREAM INTO A REALITY!

Now is an ideal time to purchase a home!

High Inventory of Motivated Sellers. We are in a market with a large selection of homes at prices that probably won't go any lower. Go to www.debbiehutchins.com to view over 10,000 listings in the Birmingham Metro, Jefferson and Shelby County area alone!

Every Market is Different. Real estate is local and all markets are different. If you are willing to get out and look you will find that there are great opportunities available for buyers....RIGHT NOW!

Benefits of Home Ownership. The great American dream not only provides you and your family shelter, it also gives you tax benefits. When you own a home you can deduct the property taxes and mortgage interest from you income taxes. When you sell your home if you have occupied it for 2 out of 5 years the gains you make can be tax free!

Mortgage Rates are at historical lows. Mortgage Interest rates in our area have been hovering around 5% to 6% for quiet some time. You can go to www.FreddieMac.com and look at the Primary Mortgage Market Survey for more information on the latest rates. When interest rates are low it allows the Home buyer to qualify for more home than when the rates are at a higher level. Coupled with the home prices available in today's market this makes the maximum price home you can shop for even better. There is also a First Time Homebuyers Tax Credit available right now.

Your investment has Value. Yes there have been media reports of home values declining but that typically would apply to short term. Real estate is a long term investment. The return on your investment in a home can be very impressive over time.

Invest in Your Future by owning a home. You can increase your net worth when you own your own home compared to renting. The equity in your home can be used for many things. You can use it for a down payment when you feel the need to move into a larger home. When you reach your senior years you can actually use your equity as a form of retirement.

Housing Market Facts. The National Association of Realtors NAR has created a new website to offer the latest information about the housing market to consumers. You can go to www.HousingMarketFacts.com to learn more about the benefits of purchasing a home.

SO WHAT IN THE WORLD COULD YOU POSSIBLY BE WAITING FOR?

THE HOUSE FAIRY?

WE HAVE THOSE TOO!

GIVE ME A CALL TODAY AND LET ME BE YOUR HOUSE FAIRY!

I am a dedicated Realtor and I can assist you in the search for the home of your dreams, help you to locate financing, homeowners insurance and any other services that you may need in the process

OF ATTAINING THE GREAT AMERICAN DREAM...OWNING YOUR HOME!

I am anxiously waiting your call!

The City of Pelham's Annual

CHRISTMAS TREE LIGHTING CEREMONY

Monday December 1

Pelham Civic Complex on Amphitheater Road

The Pelham Beautification Board members will be giving away 1,000 Pelham Christmas ornaments at the door, a wonderful collectible for those in attendance!

The pre-festivities will begin at 6:25 with singing by the Valley Elementary School second graders, at 6:30 there will be ice skating performances by the Pelham Skate School students followed at 6:45 with the Pelham High School Jazz Band.

The tree lighting program will begin at 7:00 in the main arena.

Pelham Fire Department Men’s Ensemble will sing the National Anthem. Choirs from Valley Intermediate School, Riverchase Middle School and Pelham High School will provide holiday songs for everyone to enjoy. The Riverchase Middle School Band will also perform. The Pelham Fire Department Color Guard and representatives from Boy Scouts of America Troop 404, Pelham, AL will present colors.

Santa Claus will make his grand entrance on the zamboni!

There will be FREE ice skating for all students accompanied by hot apple cider and cookies being served in the ballroom as members of Pelham First Baptist Bell Choir play Christmas music.

Parents will have the opportunity to snap photos of their children with Santa Claus in the ballroom lobby!

What an exciting event to usher in the Christmas Season with lots of fun filled cheer for the whole family!

DEBBIE HUTCHINS

RE/MAX FIRST CHOICE

205-368-2474

This week I was invited to an Agent Appreciation Luncheon hosted by the Ballantrae Sales Team at Ballantrae, a beautiful Golf Course Community in Pelham, Alabama. It was a nice way to say "Thank You" to the co-operating agents that had SOLD their listings. It was a festive event with Turkey & Dressing and ALL the trimmings.

The agents had lovingly prepared ALL the food themselves and it was a feast beautifully displayed with the finest linens, candles and sparkling crystal. Anita Latham the Broker at Re/Max First Choice is the "Queen Bee" of luncheons, parties and celebratory affairs and has a nice supply of party ware! She is the greatest! The weather was beautiful, sunny and bright and there was a very nice turn out.

It was fun to talk to all of the other agents that had sold homes in Ballantrae and catch up on the availability of the New Homes. Ballantrae is a large planned community offering New Homes in different price ranges. It is a wonderful neighborhood to live in with it's beautiful vistas and long list of ameniities. The location offers easy access to schools, shopping and the Interstate.

Thank you Ballantrae Team for your kind show of appreciation! You are ALL great to work with! I hope to sell another home or two in Ballantrae next year!

WOULD YOU LIKE TO BUY A HOME IN BALLANTRAE?

GIVE ME A CALL TODAY! WE CAN GO AND LOOK TOMORROW, BE IN BY CHRISTMAS

AND NEXT YEAR WE CAN SHARE A SLICE OF TURKEY AND PUMPKIN PIE TOGETHER!

I am looking forward to your call!

DEBBIE HUTCHINS

RE/MAX FIRST CHOICE

205-368-2474